Decaf Card vs Fuse Card
How does Decaf Card compare to Fuse Card? A side-by-side look at fees, rewards, custody and availability.
Higher score: Fuse Card · provisional, see how we rate
Quick answer. Decaf Card and Fuse Card are both crypto cards — here's how they differ. Key differences: network (Decaf Card: Visa (per decaf.so marketing; not re-verified on fetched pages) vs Fuse Card: Visa). Our provisional scoring rates Fuse Card higher (7.5/10 vs 7.4/10), but the best pick depends on your country and how you spend.
| Feature | Decaf Card | Fuse Card |
|---|---|---|
| Our score | 7.4/10 | 7.5/10 |
| Type | Debit | Virtual |
| Networks | Visa (per decaf.so marketing; not re-verified on fetched pages) | Visa |
| Rewards | SAMO cash-back (stated in decaf.so marketing; not re-verified) | — |
| Annual fee | — | — |
| FX fee | — | — |
| ATM fee | — | — |
| KYC | — | — |
| Custody | Self-custodial | Self-custodial |
| Supported coins | USDC (confirmed); USDT, SOL, XLM (stated in decaf.so marketing) | Stablecoins |
| Availability | Cash withdrawal in 175+ countries via MoneyGram (184 currencies per marketing) | 18+ countries (US excl. NY and AK) |
| Apple / Google Pay | — | Yes |
If you’re considering a crypto card for spending digital assets, the Decaf Card and Fuse Card offer distinct approaches and features. Your choice will depend on your specific needs, such as cash access, virtual payment integration, and the importance of self-custody.
Choose Decaf Card if…
- You prioritize self-custody and want full control over your private keys without relying on a custodian.
- You need the ability to withdraw cash globally through MoneyGram, which supports 175+ countries and 184 currencies.
- You want to spend stablecoins like USDC directly in stores via Solana Pay, offering a seamless crypto-to-fiat experience.
- You are interested in a card that potentially offers SAMO cash-back rewards, although this claim is not re-verified on official pages.
Choose Fuse Card if…
- You prefer a virtual Visa card that integrates with Apple Pay and Google Pay, providing a convenient way to use crypto for everyday transactions.
- You are looking for a card with zero top-up fees (though cardholder agreement may apply other fees) and the ability to swap assets with no fees via Jupiter.
- You want to earn yield on stablecoins and receive SOL staking rewards, enhancing your crypto holdings’ potential returns.
- You reside in one of the 18+ supported countries (excluding NY and AK in the US) and need a card that operates within these regions.
Bottom line
Both the Decaf Card and Fuse Card emphasize self-custody, but they cater to different user needs. The Decaf Card is ideal for those who value global cash access and the ability to spend stablecoins in physical stores, albeit with some uncertainties around fees and rewards. On the other hand, the Fuse Card offers a virtual-first approach with seamless integration into digital wallets, zero-fee swaps, and the opportunity to earn yield on your crypto assets. For a detailed breakdown of how we rate these features, visit our rating methodology page. Ultimately, your choice should align with your lifestyle and crypto usage habits.